Debt collection -- Attempts to collect debt not owed -- Complaint #5688462
Complaint Overview
Complaint ID: 5688462
Company: Commercial Acceptance Company
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Michigan
ZIP Code: 480XX
Date Received: 2022-06-20T12:00:00-05:00
Date Sent to Company: 2022-06-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, I received a letter from Commercial Acceptance Company about a debt collection from XXXX XXXX XXXX for an amount of XXXX. It stated that I refused to cooperate and pay the debt with request to pay within 5 days, but I I dismissed this as I believed it was a scam as I have not used any services at all and do not live anywhere near XXXX XXXX XXXX. Sometime in XXXX, the debt appeared in my credit report. I submitted a dispute with XXXX on XX/XX/2022 stating that it was incorrect, but the result were found accurate after that. I contacted the company and stated the information above and they said to submit a police report as this may be identity theft. I looked further in my credit report and saw incorrect name and a New Jersey address in my report which is very incorrect as I have never lived anywhere near New Jersey. With this I re-submitted the dispute with XXXX on XX/XX/2022 to remove the debt and to remove the address and name that was incorrectly in my report. They remove the incorrect name and address, but still stated the debt as accurate. I submitted the police report on XX/XX/XXXX ( I was on vacation so couldn't submit it beforehand ) and sent the letter to the collection agency sometime in XXXX. I also submitted an identity theft report. As of now I have not received any feedback from this and the debt is still in my report. Not sure what next steps to follow.
Frequently Asked Questions
What is Complaint #5688462 about?
Complaint #5688462 was filed against Commercial Acceptance Company regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-06-20T12:00:00-05:00.
How did Commercial Acceptance Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Commercial Acceptance Company?
Yes, visit the Commercial Acceptance Company company profile at readthecomplaint.com/company/commercial-acceptance-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.